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3018 Joseph St, Bloomington, IL, 61704

4beds
1baths
1,081sqft
$160,000
$148price/sqft
$1,304/moest. monthly cost
$52,160/yrincome needed

About This Home

Great 4 bedroom 1 bathroom ranch home in Bloomington! The living room, & kitchen opens to the dining area. This home has a fenced backyard, oversized 1 car garage (18' x 22'), & storage shed. Currently rented through December 2026 for $1,300 a month. Tenant pays all utilities.

Getting Around

19
WalkingCar-Dependent
20
TransitMinimal Transit
37
BikeSomewhat Bikeable

Schools

2/10
8/10
Evans Junior High SchoolGrades 6-83.1 mi
4/10

Construction

Condition

  • Year built: 1953

Materials

  • Construction materials: Vinyl Siding,Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range,Microwave,Refrigerator,Washer,Dryer
  • Laundry features: Main Level,Electric Dryer Hookup

Basement

  • Basement: None

Bedroom2

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 117
  • Dimensions: 13X9

Bedroom3

  • Features: Flooring (Wood Laminate)
  • Level: Main
  • Area: 90
  • Dimensions: 10X9

Bedroom4

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 64
  • Dimensions: 8X8

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Features: Flooring (Wood Laminate)
  • Level: Main
  • Area: 132
  • Dimensions: 12X11

Features

  • 1st Floor Full Bath
  • Flooring: Laminate
  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Natural Gas,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,081
  • Total interior livable area: 1,081 sqft

Kitchen

  • Features: Flooring (Ceramic Tile)
  • Level: Main
  • Area: 99
  • Dimensions: 11X9

Living Room

  • Features: Flooring (Wood Laminate)
  • Level: Main
  • Area: 192
  • Dimensions: 16X12

Master Bedroom

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 100
  • Dimensions: 10X10

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 2121129009
  • Special condition: None

Features

  • Stories: 1
  • Patio & porch: Patio
  • Fencing: Fenced

Lot

  • Lot size: 5,500 sqft
  • Features: Landscaped,Mature Trees
  • Lot size dimensions: 50 X 110

Parking

  • Total spaces: 3
  • Parking features: Yes,Garage Owned,Detached,Owned,Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveVery High
  • Tornado
    TornadoVery High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Hail
Strong Wind
Winter Weather
Earthquake
Heat Wave
Inland Flooding
Ice Storm
Lightning

FEMA Declared Disasters Across Illinois Counties

Flood
Other
Severe Storm
Straight Line Winds
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $809$9,708
Home Insurance *$84$1,008
Property Taxes $281$3,372
Electricity $130$1,569
Total$1,304$15,648
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$44,708/yr
40% on housing$39,120/yr
45% on housing$34,773/yr

Illinois FAIR Plan Programs

Illinois FAIR Plan Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,961Commercial: 62
Total Premiums$4.35M
Total Exposure$370.02M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 14.5%
14.5%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -2.5%
-2.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$148This listing

vs Other Active Listings

Avg $/sqft

ZIP 61704$120
McLean County$119

vs Homes Sold Last Month

Median $/sqft

ZIP 61704$109
McLean County$115

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-16Listed for sale$160,000
2024-10-07Sold$145,000
2024-08-17Contingent$140,000
2024-08-14Listed for sale$140,000
2022-11-30Sold$98,000
2022-10-29Contingent$99,900
2022-10-29Listed for sale$99,900
2017-05-30Sold$86,000
2017-02-28Listed for sale$89,900
2012-09-13Sold$83,000
2007-11-21Sold$490,000

For Sale by Agent

AgentMatthew Hansen
BrokerageColdwell Banker Real Estate Group

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